Hot Deal: Get Upsized S$400 or Gadgets With HSBC Credit Cards
Another great Christmas promo alert: get as much as S$400 in eCapitaVoucher or a gadget of your choice when you sign up for an eligible HSBC credit card below as a new cardholder. If you already have a HSBC card, you can still qualify for the HSBC TravelOne promo!
And if you’re already applying for a card, apply for one or two more for additional S$50 or S$100 cash bonus!
🆕 A new HSBC cardholder refers to those who do not currently have a principal HSBC credit card and have not cancelled any in the past 12 months.
💳 An existing HSBC cardholder refers to those who have not cancelled any card in the past 12 months, and their existing cards were issued more than 12 months ago.
⚠️ It’s possible to be neither a new nor existing cardholder if you do not meet any of the two definitions above. Refer to the terms and conditions for specific terms.
New HSBC Cardholder
Sign up for one of the cards below as a new HSBC cardholder and make sure to fill up the SingSaver Rewards Redemption Form with the application reference number to choose your gift. No form submitted means you will not get any gift.
The reference number is a 17-digit number that appears at the end of your application with the bank. If no reference number was displayed, you may indicate the last 4 digits of your mobile number which was used in the HSBC application form.
You will need to spend at least S$500 in eligible transactions by the end of the next calendar month from card approval. For instance, those whose cards are approved in the month of December 2024 will have until 31st January 2025 for transactions to be posted.
My picks
There’re still a couple of weeks to use HSBC Live+ for your year-end shopping so that’d would be my pick for the card to apply for.
For gifts, I think S$199 cash + S$200 eCapitaVoucher makes more sense than S$400 eCapitaVoucher and the other gifts with retail price lower than S$400. If you need a new vacuum or work desk, the Dyson and standing desk are easy picks. Otherwise, go for S$199 cash + S$200 eCapitaVouchers.
HSBC Live+
Cards approved between 1st April 2025 to 31st March 2026: get upsized 8% cashback on dining and shopping and 5% cashback on fuel. Read the review here.
🎁 New Cardholders
Apply by 2nd August 2026 and choose 1:
Don’t like the gifts? You can choose to top up. Tap on Apply and view options on landing page. Refer to Important Steps below
💳 Existing Cardholders
Apply and receive:
Existing cardholders are those who have not cancelled any HSBC card in the past 12 months, and their existing HSBC cards were issued more than 12 months ago
⚠️ Important Steps
- Provide HSBC consent to receive marketing/promotional materials during application
- Fill up SingSaver Rewards Redemption Form to select your gift
- If no application reference number is provided, use the last 4 digits of your mobile number
- Existing cardholders can fill up the form pick any gift; S$50 cashback will be given upon completion of requirements
- Make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards (i.e. cards approved in August will have until 30th September to complete spend requirement)
For reference only; refer to exact details in terms and conditions
HSBC Advance
Get 10X points on eligible Paywave (until 28th February 2026) and online transactions. Annual fee waived for life.
🎁 New Cardholders
Apply by 2nd August 2026 and choose 1:
Don’t like the gifts? You can choose to top up. Tap on Apply and view options on landing page. Refer to Important Steps below
💳 Existing Cardholders
Apply and receive:
Existing cardholders are those who have not cancelled any HSBC card in the past 12 months, and their existing HSBC cards were issued more than 12 months ago
⚠️ Important Steps
- Provide HSBC consent to receive marketing/promotional materials during application
- Fill up SingSaver Rewards Redemption Form to select your gift
- If no application reference number is provided, use the last 4 digits of your mobile number
- Existing cardholders can fill up the form pick any gift; S$50 cashback will be given upon completion of requirements
- Make a min. spend of S$500 by the end of the following month from card approval date to be eligible for rewards (i.e. cards approved in August will have until 30th September to complete spend requirement)
For reference only; refer to exact details in terms and conditions
Existing HSBC cardholders
If you already have one of the above cards, you can still qualify for HSBC TravelOne’s promo! You can choose between two promos for HSBC TravelOne, and both options require the first-year annual fee of S$196.20 to be paid. It makes sense paying for the annual fee since the gift options are of significantly higher value.
There is also a minimum spend of S$500 to be made by the end of the next month from card approval.
HSBC TravelOne
Get 4 complimentary lounge visits via DragonPass. Earn 1.2 miles per dollar on SGD transactions and 2.4 miles per dollar for foreign currency transactions. Full review
✈️ New and Existing Cardholders
Apply by 30th September 2026, pay annual fee of S$196.20, and spend at least S$1,000:
| Reward | |
|---|---|
| New Cardholders | 20,000 miles + Samsonite suitcase |
| Existing Cardholders | 10,000 miles + Samsonite suitcase |
⚠️ Important
- Provide HSBC consent to receive marketing/promotional materials during application
- Make min. spend of S$1,000 by the end of the following month from card approval date to be eligible for rewards (i.e. cards approved in March will have until 30th April to complete spend requirement)
- Annual fee of S$196.20 must be paid
- Existing cardholders are those who have not cancelled any HSBC card in the past 12 months, and their existing HSBC cards were issued more than 12 months ago
For reference only; refer to exact details in terms and conditions
Christmas Bundle – apply for more cards for bonus cash rewards
Once you have applied for your HSBC credit card as a new-to-bank application, you should also sign up for more cards to qualify for more rewards:
| Task | Reward |
| Apply for 2 Eligible Products: a) Both of which are valid New to Bank applications b) One of which is a UOB, Maybank or CIMB Bank product | S$50 Cash via PayNow |
| Apply for 3 Eligible Products: a) All need to be valid New to Bank applications b) One of which is a UOB, Maybank or CIMB Bank product | S$100 Cash via PayNow |
What to spend on?
You need to meet the minimum spend to qualify for rewards. Do note that there are transactions which are excluded. Read the terms and conditions carefully when applying.
Generally, retail transactions like buying stuff or dining out are very safe. Things like bill payments, education expenses and CardUp or ipaymy become a lot iffier and depends on the bank your card is from.
Do check out this article on what you can spend on to meet the minimum spend:
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Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.
He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.
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Please exercise due diligence when signing up for any service/product as I will not be liable for any personal loss, financial or otherwise. Content published here are my sole views and personal opinion, and none of the information here constitutes personal financial advice nor represents the views of my employer(s).